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    • louise13!
    • By louise13! 6th Oct 17, 10:15 AM
    • 2Posts
    • 0Thanks
    Credit card application before re-mortgaging?
    • #1
    • 6th Oct 17, 10:15 AM
    Credit card application before re-mortgaging? 6th Oct 17 at 10:15 AM

    The fixed term on my mortgage expires in a couple of months and I have an appointment with the mortgage advisor to find a new deal in the next couple of months.

    My question is, if I apply for a credit card now will it have any effect on the mortgage offers I receive?

    I currently have no debt other than my mortgage and have a good credit score (not sure exactly what but I've never been late with anything or had any other debt), but I need a credit card so I can book a holiday securely. The card would be paid off pretty much straight away, over two months, and I'm looking at getting a 0% on purchases card. Will this be OK or should I wait until I have the new mortgage offer?

Page 1
    • zx81
    • By zx81 6th Oct 17, 10:23 AM
    • 17,266 Posts
    • 18,369 Thanks
    • #2
    • 6th Oct 17, 10:23 AM
    • #2
    • 6th Oct 17, 10:23 AM
    You could probably risk it as it's a remortgage.

    But if you want to eliminate any risk, then leave it until after. Certainly worth getting one in the long-term, as it's an easy and free way to build and maintain credit history.
    • bengalknights
    • By bengalknights 6th Oct 17, 2:45 PM
    • 4,367 Posts
    • 1,608 Thanks
    • #3
    • 6th Oct 17, 2:45 PM
    • #3
    • 6th Oct 17, 2:45 PM
    I would also suggest waiting till after mortgage goes through
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